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Find out how much you could borrow
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Peace of mind that it won't affect your credit rating
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Overview of stamp duty and other costs, not just mortgage repayments
Pre-qualify to start your home buying journey
Our pre-qualification tool is more than just a calculator, giving you a personalised understanding of your borrowing position. You don't need any paperwork. Unlike pre-approval, we don't complete a credit check so your credit rating isn't affected.
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1Pre-qualify to know your actual borrowing power.
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2Submit your home loan application in branch or apply online.
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3All going well, you receive full approval to purchase your home.
What does pre-qualifying involve?
It's a quick-and-easy process to allow you to better understand your lending position, prior to applying for a home loan.
In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State. You may also be eligible for government support to purchase a home.
You'll get a personalised home lending summary delivered straight to your inbox. We'll also give you a follow up call to answer any questions and guide you through your next steps
Please note, if you are self-employed or there are more than two borrowers, please call us on 1300 236 344.
Am I eligible?
To pre-qualify you must be:
- 18 years old or over
- Seeking a loan for personal use and not for business or commercial purposes
- Employed and/or have a regular income source (at least one borrower for a joint loan)
- Looking to borrow less than $2.5 million
If you are looking to borrow more than $2.5 million to purchase a property, you will need to call us on 03 5485 7932
What will I need?
This isn't a pre-approval, so you don't need to provide any paperwork and we won't do a credit check.
To give you a real estimate of your eligibility and any borrowing costs we will need some general details about you and the property including:
- Your name and contact details
- Your income, expenses and liabilities
- Details of the property you've found, or;
- The type of property you hope to buy.
Not the right tool, right now?
Buying a home is a big step. Depending on where you are in your current home buying journey you might need a different kind of support.
I'm not quite ready...
You're just after a general idea of repayments or the amount you could borrow before you start looking at properties.
Try one (or all) of our home loan calculators instead.
Get pre-approved
Pre-approval means a lender has provided an obligation-free estimate on the amount you can borrow to purchase a property.
Its quick and easy!
I'm ready to apply!
You've crunched all the numbers, found a property, and you're ready to buy.
Speak with one of our lending specialists at a time and place that suits you.
Woah! I'm only just getting started.
There's a lot of information out there and you're wondering where to even start...
Try exploring our home loan glossary to understand key terms, or visit our first home page for steps on where to start.
Ready to apply?
Find a mobile lender, make a home loan enquiry or apply online. If you prefer to visit a branch, use our branch locator to find to find a branch near you.
Things you should know
* Roy Morgan Single Source Australia, May 2023
